Hi Jamek
"I am starting to think I shouldn't take the risk..." There is a saying that if you think you'll fail - you're right!
Aviation is a very demanding environment both professionally and personally.
I was told at the age of 36 by an experienced BA training captain " you will probably get a job flying turboprops, but you can kiss the shiny jets goodbye - you're too old"
Last Sunday I was at Geneva airport doing the walkround of a brand new (shiny) B737NG and thought to myself how wrong that man was.
I was 40 when I got my first commercial job and now fly B737 Classics and NGs (late 40s).
It's cost me a lot of cash (never paid for a type-rating, just had some 'lucky breaks' and some good friends who put in an appropriate word for me at the right time - I'll be eternally grateful).
The downside - I'm getting divorced this year after 18 years of marriage because my wife said it was either her or the flying!
It's tough at times - but in the end the choice is yours?
Is it worth it? Yes it was for me, but maybe not for everyone.
The very best of luck in what ever you decide.
SITW